Related Consumer Finance Programs - The following sub-directories of companies offer a wide variety of financial programs to assist you with the management of your finances. Consolidate debt with a consolidation loan or use a debt counseling service or mortgage refinance for help with the consolidation of your charge card debt and other monthly payments.

• Debt Consolidation Program - Learn more on how debt consolidation can work for you and compare a detailed company list of lenders and related services offering help to people that need to consolidate debt.
• Consumer Debt Management - Too many credit cards and other bills to make monthly payments on? Start here by reviewing and comparing different debt management options for getting help with your credit card bills and other monthly obligations.
• Personal Loan Companies - Looking for a personal loan to consolidate your credit cards? These loans are usually unsecured, meaning you are not required to provide collateral. Approval is often based upon factors as your income, credit and job history.

FDIC, Other Government Agencies Working to Help Borrowers

Banking and mortgage industry regulators, Congress and other government officials at the federal and state levels have been responding to the recent difficulties in the real estate market. "Working with our federal and state regulatory counterparts, insured institutions, the Congress, and other parties, we are eager to help find solutions for borrowers who have mortgages they cannot afford," said FDIC Chairman Sheila C. Bair.

As FDIC Consumer News went to print, Congress was considering various legislative proposals relating to mortgage lending. Federal and state government banking regulators, including the FDIC, have been encouraging financial institutions to identify creditworthy borrowers who may have mortgages they cannot afford and to contact these customers and pursue appropriate strategies to avoid foreclosures. The Federal Housing Administration has announced new programs to help borrowers. And, state regulators are developing a new nationwide system for licensing mortgage lenders and brokers, and are working to enhance consumer protections.

FDIC Consumer News is published by the Federal Deposit Insurance Corporation

FDIC Consumer News is produced quarterly by the FDIC Office of Public Affairs in cooperation with other Divisions and Offices. It is intended to present information in a nontechnical way and is not intended to be a legal interpretation of FDIC or other government regulations and policies. Mention of a product, service or company does not constitute an endorsement.

Find current and past issues of FDIC Consumer News at http://www.fdic.gov/consumernews. Refer to this same index to locate the issues that are specially formatted for being reprinted in any quantity.

To receive an e-mail notice about each new issue of FDIC Consumer News posted on the FDIC Web site, with links to stories, follow instructions posted at www.fdic.gov/about/subscriptions/index.html.

Last updated on 11/08/2007

Make the right decisions when shopping for credit cards and other related financing options.

Please note that the Debt Consolidation Loan Directory has a library of consumer finance information for assisting you with searching for and comparing financial services, such as car insurance, bill consolidation and debt settlement services. The best way to becoming better at managing your personal finances is to become educated about how they work. Please visit our consumer information library.

• What Type of Credit is Right for You? - This article, provided by CitiFinancial, covers common types of consumer credit, such as installment loans (auto loan financing, mortgages), revolving credit (charge cards) and consumer leases (typically vehicles) and issues that you should take into consideration when choosing your financing options.
• Understanding Your Needs and the Fine Print of Credit Cards - Many Americans carry balances on their credit cards and pay interest on them every month. However, they often fail to take the time to evaluate and choose the right credit card based upon how they intend to use it. Don't be induced into choosing a charge card based strictly upon a rewards program or special incentive given to you for applying. A card chosen for the wrong reasons could cost you much more interest costs in the long run.
• Can't Afford It = Can't Buy It - A simple personal finance tip that reminds us that if you don't already have the money saved or available in your monthly budget… you should think about not making the purchase.
• Avoid Making the Mistake of Only Making Minimum Payments - The FDIC offers everyone a reminder about the importance of making more than minimum payments whenever possible. Avoiding to do so could cost you substantially in unnecessary interest costs when paying off credit card debts.

DebtConsolidationLoan.com is a service of Infinamic, Inc. All debt consolidation loans and financial services information is deemed reliable, but not guaranteed. Infinamic, Inc. is not responsible for the content and services, that may be provided to you, by following the links from this web site. Use this service at your own discretion.